| What is my credit File? A list of all your payments to your credit cards/loans/mortgages etc |
Do you have poor credit?
How do you know if you've got bad credit?
You can apply to Equifax and Experian to see copies of your credit history.
You should be on the electoral roll at the address you're applying for
else you will have to provide extra information to confirm that is it
you applying.
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- Write to Equifax, requesting a copy
of your Credit File.
You need to send them the following informationYour full name, including title, forename, middle name and surname (and maiden name if appropriate)
Any other name you have been known by
Your date of birth
Your current address, including house number/name, street name, district, post town and postcode
Any previous addresses lived at during the last 6 years. List each address separately including house number/name, street name, district, post town and postcode
Please enclose a cheque or Postal Order payable to Equifax for the statutory fee of £2.00 and send your letter to:Credit File Advice Centre
PO Box 1140
Bradford
BD1 5US
You can apply online - have all the information ready
-
Write to Experian
Send a letter including your name, date of birth, address and any addresses where you have lived in the last six years.Post to:
CHS Experian
PO Box 8000
Nottingham, NG1 5GXPlease include a postal order or cheque for £2 made payable to Experian Ltd.
You can apply online - have all the information ready.
-
Once you've received back your information you'll see the sort of information they hold on you. Check through and make sure that everything belongs to you and that no one else has been included my mistake on your credit history
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What does it tell me?
Your credit history tells you whether you make payments on time. Each item on your file will show its own history and a code tells you about each months payment. Payments missed or late will show up.
If you have a history of late or missed payments then you probably have a poor credit record. Lenders will see this and make judgements accordingly.
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